Business::OnlinePayment::BankOfAmerica does not support the
<B>Normal AuthorizationB> mode which combines authorization and capture into a
single tranaction. You must use the <B>Authorization OnlyB> mode followed by the
<B>Post AuthorizationB> mode. The <B>CreditB> mode is supported.

No login and password are required for <B>Authorization OnlyB> mode. Access
is restricted only by the merchant id (available in any public store webpage
which passes off to the backend system) and HTTP referer header.